MiWay Insurance Bad and Unreasonable Service

I am not happy at all with MiWay Insurance. I have cancelled my car insurance policy with them from January 2023 because after being with them for 2 years and I made a claim when I was hit by a delivery bike, they increased my premium by close to R300 and my excess from R3500 to R5400. They did explain the reasons for the increase, which they said it's because the of the amount that was paid for my claim and also getting the parts for my car, to name a few.

King Price contacted me in December 2022 and gave a very low premium and excess, then I called MiWay to cancel my policy. To make a long story short, obviously MiWay wanted to retain me, but they still couldn't beat King Price offer. I sent them a cancellation letter beginning of January that I am cancelling my insurance, but to my surprise MiWay still debited my account. I resent the letter again telling them that if they debit again, I will reverse the money at the bank, but they still debited anyway. I went to the bank last month after the 15th because that's when I get paid and I reversed the debit order. After the reversal, MiWay sent me an SMS saying that they are aware I instructed my bank to reverse the money, but they will debit the money again on the 03rd of this month! How ******** can one be! MiWay indeed debited my account on the 03rd of this month but unfortunately there was no money, now my bank has penalized me because of that.

Today I got another SMS from MiWay because they said they are aware the debit order returned, but they will debit again earlier before the 15th of this month to keep my policy running!

I really don't understand what is happening here! I was human enough to contact MiWay that I was cancelling the policy, I even sent them the letter twice to confirm my cancellation, but still I am being debited (this means I must pay two insurance companies every month).

My colleague advised me to write a review here as I desperately need help to end this nightmare. Please assist me, any advice will be highly appreciated.